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Adding young drivers to your insurance policy

June 25, 2009

Perhaps your teenager just passed her driving test and is now a G1-licenced driver. Or maybe your son is coming home for the summer with a G-license. Whatever the situation may be, chances are, they are insured under your vehicle policy. What would this mean for you?

Below we’ll take a look at how you can maintain your insurance standing even with younger drivers listed.

Adding one or more young drivers
Automatically, you can usually expect an increase in premiums by adding another driver to your policy. With the exposure a new driver brings, your insurance company will do an assessment to see what kind of increase you can expect. Regardless of the additional cost, it’s a good opportunity to teach your child responsibility and you may want to consider having him or her pay the amount of the premium increase.

Age matters
Age — and experience — matters when it comes to just how much of an increase you’ll see in your rate. A driver who is 16 to 24 will automatically cost you a higher premium. A child who is 25 or older will be added as a secondary driver on your policy, and his or her driving record and experience will be assessed when determining the type of increase you can expect to see.

The key factor is your kid’s driving record/age ratio. A 25-year-old driver with a clean driving record will cost you substantially less than if he or she were 24 and had the same clean record. Also, if your son, for example, is a part-time driver of your vehicle, the cost will be incrementally less than if he is a full-time driver, as stated on your policy.

Your child’s driving record
Does your young driver have a few speeding tickets on her record? If she is added as a secondary driver on your policy, her spotted driving record could cost you a 10-star policy rating, regardless of her age.

Teaching responsibility
If you do have a bad driver under your roof, take charge. Don’t let their bad habits ruin your hard-earned good standing with your insurance provider or your star rating. If you are inOntario, you must have all drivers who reside under your roof and use your vehicles on your policy — but there’s an exception to this rule.

The OPCF 28A is a form you can add, excluding your child from your insurance policy.  You will have to sign the document stating that your child is in your household but not driving your vehicle, thus helping protect your rate and your star rating.

How to avoid policy setbacks
Your child got a speeding ticket — but didn’t tell you. Does this mean you’re in the clear because you didn’t cause the infraction? Not necessarily. Your insurance provider may find out about it when you go to renew your policy. Additionally, if you apply for a new policy, the ticket may surface when your record is being reviewed. As the policy holder, know that you are fully responsible for knowing the records of all secondary drivers on your policy. You could face an increase due to your child’s mistake.

If your child does choose to get their own insurance, be sure to have him or her visit InsuranceHotline.com where he or she can compare rates from over 30 competing insurers for the lowest rate available.

Other helpful insurance articles:

-Find out what is an OPCF 28A in the “Did You Know?” section of the InsuranceHotline.com Insider

-What are the consequences of major and minor tickets?

-Learn summer safety driving tips

-”My child is home from university for the summer. Do I have to add his or her name to my car insurance policy?” Click here to read the answer.

  • http://www.jtimages.com/ James Macovich

    Is there anything you can do to bring down the premium for my teen son?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hi James,

    There are many variables that are considered in rating. Most of this depends on driving history (tickets/infractions/accidents), age of driver (under 25 yrs will be higher), whether or not the driver is fully licenced, etc… so, you could speak to your current broker to find out what would be needed through your insurance company to bring the rate down, or you could shop your rate online http://www.insurancehotline.com/car-insurance-quotes/ to get comparison quotes to see if you are eligible for a lower rate (you will need licence dates and ticket/accident dates).
    Take a look through this article on our site, it might help you.http://www.insurancehotline.com/tips-to-help-young-single-drivers-save-on-car-insurance/

    Good Luck!

  • http://www.insurancehotline.com/ InsuranceHotline.com

    An insurance policy is based on the premise of “utmost good faith” This means that both parties will be honest in their dealings. This could be considered insurance fraud if the grandchild has an accident and is not truthful about their use of the vehicle.

  • Claudia

    Will my insurance premiums increase if my child, in my household just received there G2? Do I have to notify them or will they automatically adjust my premium?

  • http://www.insurancehotline.com/ InsuranceHotline.com


    It is likely that you premium will increase when you add your child onto your policy. The reason for this is that the insurance companies risk of paying a claim has increased.
    You will have to notify them that your child has obtained their G2.


  • http://www.insurancehotline.com/ InsuranceHotline.com


    How much it will cost depends upon (as you mentioned) your father’s insurance company, your gender etc.
    You should be listed on the policy as the insurance application asks that all licenced drivers be included.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com


    Your parents insurance might go down if you have your own policy and your parents can prove that you are being charged for the accident on your policy.


  • Shan

    I am currently the 2nd driver of my moms car. If my mom purchases a car in her name and adds it to the insurance will i become a primary driver of 1 of the 2 vehicles?

  • http://www.insurancehotline.com/ InsuranceHotline.com


    If there are only you and your mum on the policy then most insurance companies will make you each the primary driver of one of the vehicles.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    Most of the time, if all 3 vehicles have liability coverage on them, you will be made a primary driver on one of the vehicles.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    If your brother’s insurance company agrees then yes.

  • J wright

    I was a secondary driver on my parents policy, had two wrecks and a speeding ticket. I got my own policy last year and had another wreck. Up review they have taken into consideration wrecks and speeding tickets on both policies. Can they raise premiums do to accident on my parents policy even though i was not prioary driver?

  • Driver101

    You’ve had 3 wrecks? Yes, insurance should definitely consider the other 2….just because you werent “primary driver” on “THEIR” insurance doesn’t erase the fact that you had those 2 accidents. Try driving safer!

  • chris

    My niece was 16, she got several tickets driving her mothers car to school and work for no insurance. Each time her mother assured her it was taken care of and now had insurance. Now she has no license. My question is, at 16 who is responsible for fines and now surcharges and where would I get that information from?

  • Konstantine

    I received a speeding ticket with my G2 does my driving record clear once i move to a G licenses or does that ticket still stake on my record even though i no longer have a G2 license? Does you driving record clear if you get your G license?

  • Jay

    My son is insured in my insurance as a secondary driver. He had 1 speeding ticket before and 1 accident at fault now he got charged for speeding for 62 km over and stunt driving. My question is should I call my insurance and removed him from my policy before the insurance fined out about his last charges?

  • Josh

    Can i be a secondary driver on a motorcycle at the age of 16?

  • sarah

    My step son lives at our house one week then at his mothers one week. He has his G2 license and I wondering how auto insurance will work. Do both of us need to place him on our individual policies?

  • BDJ

    Wow…quite the role models you are. Yes, let’s teach the youth of today that rules are only to be followed when they are convenient. If they are inconvenient, ignore them and lie if caught.

    You should be ashamed of yourselves. Make better choices.

  • vince

    If i have 4 cars and im the fourth driver do i automatically go primary driver on the fourth car or can i still be secondary driver on one of the other cars?

  • Muhammad Yaseen

    My son lives in Toronto, and has a car insurance in place.
    I am planning to visit him for about three weeks. I will have my Pakistani driving licence along with the International driving licence. I would like to use his car during my stay . How my son can have added me in his insurance. What will be app. cost , and how easy or difficult it is to have this addition.

  • Maureen Muir

    There is a driver in my house that is not related to me. He does NOT drive my car ever. Do I need to report this to my insurance company? If I do – will my rates go up?

  • megan

    I have my g2 and the full year just came around so now I can take my G. I’m not ready to take my g quite yet but my insurance company raised my insurance and ate telling me I need to go for my g by January 28th for them to lower it. I this right? Can they raise my current insurance because i’m not ready to go for my g licence?

  • InsuranceHotline

    In Ontario the application asks that you declare all drivers of the vehicle in the household.

  • Jeff

    Hi, my daughter just passed her first G2 driving test in Ontario. Our insurance will take a day or 2 to get settled, but in the meantime, can she still drive if she has a licenced driver in the vehicle, like she did when she had her G1. Thanks

  • InsuranceHotline

    Yes. if you give her permission to drive your vehicle she will be covered.

  • George

    hi there now I have tow cars under my name so can I add one more car and my son who he’s 25 years old with clean record and he had insurance before to my policy ? my question here will my insurance going up too much thanks

  • InsuranceHotline

    If there are 2 cars and 2 drivers most insurance companies will make each driver the principle driver of each vehicle.
    You should ask your insurance representative how much you can expect your insurance to increase. I can’t answer that as each company has their own rates.

  • InsuranceHotline

    If she drives your vehicle then you should add her to your policy. The application asks that those drivers be listed.
    If she goes to get her own policy and has no insurance history, the company will know that since no information will come up when the company runs reports on her licence number.

  • Arturo tolentino

    I add 1car under my present policy last month and my policy will expire on March 2018. Then charged me the whole premium to my additional car plus the remaining balance in my other car which is 3 months more.

  • InsuranceHotline

    Depending upon your sister’s driving record & age there may not have been an additional premium for your sister when she was on your father’s policy

  • Matthew Keith Boone

    If I am listed as a temporary driver on my father’s car will that lower the price of my car insurance over time ?

  • InsuranceHotline

    It probably will. You are building an insurance history which insurance companies look at.